Does anyone actually use the Affordable Care Act health insurance?
If you do, how is it?
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Northwest · M
The ACA is not an insurance plan.
The "Act" part, eliminated the "previous conditions" clause, that allowed health insurance companies to deny people insurance for an existing condition. It only covered future conditions.
So, if you moved jobs, your new insurance company, will not cover your kid's long-term meds.
If also removed "caps". So healthcare insurance companies can no longer cap your yearly (or lifetime) payments at a specific amount. So your coverage will no longer continue if you reached $10,000 per year (or whatever). This used to be one of the common causes of bankruptcies and families losing their homes, and everything they own.
The third primary part of the "Act", is allowing states to crate a marketplace, where everyone is in the same pool. This gives people who do not have a job that provides healthcare coverage, the opportunity to join the larger group, that includes everyone in the State, who buys a plan.
Previously, you had to join a group, to be eligible for lower rates, and then you're screwed the following year, if one person in the group gets a catastrophic illness, raising rates for everyone else.
I don't have a "job", so I bought coverage through my State's marketplace and I've kept it for the past few years.
The "Act" part, eliminated the "previous conditions" clause, that allowed health insurance companies to deny people insurance for an existing condition. It only covered future conditions.
So, if you moved jobs, your new insurance company, will not cover your kid's long-term meds.
If also removed "caps". So healthcare insurance companies can no longer cap your yearly (or lifetime) payments at a specific amount. So your coverage will no longer continue if you reached $10,000 per year (or whatever). This used to be one of the common causes of bankruptcies and families losing their homes, and everything they own.
The third primary part of the "Act", is allowing states to crate a marketplace, where everyone is in the same pool. This gives people who do not have a job that provides healthcare coverage, the opportunity to join the larger group, that includes everyone in the State, who buys a plan.
Previously, you had to join a group, to be eligible for lower rates, and then you're screwed the following year, if one person in the group gets a catastrophic illness, raising rates for everyone else.
I don't have a "job", so I bought coverage through my State's marketplace and I've kept it for the past few years.
Penny · 46-50, F
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SW-User
@Northwest so dental insurance plan premiums will be going up under harris?
KentuckyWildcats · M
@SW-User Everything is going up if Harris gets in just like it has for the past 4 years. Who do think is going to be providing the $25000 for 1st time home buyers that qualify. Luckily the student loan forgiveness plan is on hold for now. We have enormous flood damage from recent hurricanes with possibly another threatening soon. We're giving billions to Ukraine. It's time to take care of own and don't even mention the explosion of illegal immigrants being put up in hotels across the USA and the financial help we're giving them in hopes someday when eligible to vote they'll remember the Dems. The entire USA has gone to HELL in the past four years and the dumbasses that vote for her will certainly get what they deserve. We can't keep giving when we're trillions in debt. Yeah, print more money, that's the solution.
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Northwest · M
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Northwest · M
@Spoiledbrat
For the exchanges, this is not true. It's covered as a line item under the primary policy, same with Vision, so you make a single payment and you don't deal with separate parties. It doesn't cover much, because there is no mandate by the government to make it so, and most procedures are considered cosmetic.
You lost your teeth? no problem, get a denture, it doesn't cost much. You want a crown? It's a cosmetic procedure. You want an implant (like I have), it costs upwards of $12K per tooth, and it's a cosmetic procedure.
Dental is separate. That's why it doesn't cover much.
For the exchanges, this is not true. It's covered as a line item under the primary policy, same with Vision, so you make a single payment and you don't deal with separate parties. It doesn't cover much, because there is no mandate by the government to make it so, and most procedures are considered cosmetic.
You lost your teeth? no problem, get a denture, it doesn't cost much. You want a crown? It's a cosmetic procedure. You want an implant (like I have), it costs upwards of $12K per tooth, and it's a cosmetic procedure.
Northwest · M
@Spoiledbrat
The copays do? Huh? Your policy determines how much the co-pay for a visit is. It's not based on your income, it's based on the type of policy you carry.
The copays do.
The copays do? Huh? Your policy determines how much the co-pay for a visit is. It's not based on your income, it's based on the type of policy you carry.
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Northwest · M
@Spoiledbrat
Sigh...
A national authority sort of coordinates also, to make sure there's no fraud and you can't be in 2 different states at the same time, and what happens if you move.
Different states, California included, offer financial assistance, to those who qualify for low-income policies.
These policies do not cover a whole heck of a lot, have a higher deductible and higher co-pays.
Before the ACA, people were simply not insured.
If you don't qualify for a lower income policy, or do not want it (you get an exemption for tax purposes), you can choose any policy you want, and in that case, it's not your company that determines you policy type, it's how much you're willing to pay, and that determines your deductible and your co-pay per visit (for regular visits and specialists)
Are we talking about covered cali ?
Sigh...
A national authority sort of coordinates also, to make sure there's no fraud and you can't be in 2 different states at the same time, and what happens if you move.
Different states, California included, offer financial assistance, to those who qualify for low-income policies.
These policies do not cover a whole heck of a lot, have a higher deductible and higher co-pays.
Before the ACA, people were simply not insured.
If you don't qualify for a lower income policy, or do not want it (you get an exemption for tax purposes), you can choose any policy you want, and in that case, it's not your company that determines you policy type, it's how much you're willing to pay, and that determines your deductible and your co-pay per visit (for regular visits and specialists)
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Northwest · M
@Spoiledbrat Jesus! that's what I already told you.
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